Contract Works Insurance

Contract works insurance is a type of cover which is ideal for builders and other tradespeople, designed to cover work which is underway on a construction site.

It can pay to repair or redo work which is in progress should it be damaged by an insured event such as fire, flood, storm, vandalism or theft.

Some client contracts require this type of policy to be taken out prior to work starting, so it is certainly worth checking your contracts carefully before you begin work to see if you need to take out contract works insurance as part of your contract. Businesses who generally take out this kind of insurance are usually building contractors, property developers, electricians, bricklayers, carpenters, plasterers and tilers. It can be useful for anyone working in the construction industry.

Very often contract working are building or developing something that has been designed. If a tenant or employee of the site is injured and blames their injury on the design of the building, it is important that you have Architects Insurance to cover any claim.

Insurance for Contract Works

Contract works insurance covers the work you are currently doing on a building site. It can pay for the cost of repair or redoing work should it be damaged or destroyed. As long as the correct level of insurance is bought, it can also include the cost of labour, materials and tools to get the work back to the stage it was prior to damage. It will not cover for existing constructions which are on the site, and it usually only covers for risks such as fire, flood, storm, vandalism or theft. It is important to check your policy wording to be sure you are covered for the risks you wish to be covered for.

Contract Works Insurance Policies

Contract works insurance can be purchased as part of a wider business insurance policy, which can include cover for a wide range of construction industry risks. Our team at Erskine Murray would be happy to talk you through the different options available for construction workers, or businesses involved in the construction industry. We work closely with a range of insurance providers to be sure to offer a great range of insurance products to our customers.

Registered in England and Wales. No 09564100. Registered Office: Whittles, The Old Exchange, 64 West Stockwell Street, Colchester, Essex, CO1 1HE. Erskine Murray Limited is authorised and regulated by the Financial Conduct Authority under registration No 707444. See the Financial Services Register for details. All cover details are subject to Insurers terms and conditions. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s).